Consumer Connection

Outsmarting Scammers in 2026

Michelle Escobar Season 1 Episode 11

Scams are getting smarter in 2026, but so are we. In this episode of Consumer Connection, host Michelle Escobar is joined by Emmy-winning NBC4 consumer reporter Susan Hogan. Together, they discuss the latest fraud trends, from AI voice cloning to fake job offers that look legitimate, and share actionable tips to protect your information and your wallet. Learn how simple strategies like freezing your credit, using family code words, and spotting red flags online can help you stay safe without feeling overwhelmed. Staying informed is your best defense, and this episode gives you the tools to feel confident and prepared in today’s digital world.

Have a question or suggestion for a future episode? Send an email to consumerconnection@montgomerycountymd.gov.

SPEAKER_02:

Welcome to Consumer Connection, a podcast brought to you by the Montgomery County Office of Consumer Protection. I'm your host, Michelle Escobar. It's 2026, and the world of scams is changing faster than ever, from AI-generated voices to phishing schemes that look disturbingly real. Scammers are getting smarter and more aggressive. So what do you do to stay one step ahead? That's what we're going to be unpacking today. Joining me is someone who has been on the front lines of consumer protection for years now. She is a veteran consumer investigative reporter with NBC for Washington. She has exposed countless scams, has held companies accountable, and has helped everyday people fight back. Welcome, Susan Hogan. Thank you. I'm so happy to have you here.

SPEAKER_01:

I am so happy to be here. I truly am. Yeah.

SPEAKER_02:

We've already liked Fangirl for overview downstairs. So thank you again so much. As I was telling you, I um I just know we're gonna have so much great information for people today. And I'm really excited for them to hear everything that we're gonna unpack. Um when I started, uh well, I am a home improvement investigator. So like I was saying, a lot of these things I'm learning. Um, and the way scams are evolving is um is just incredible. Um, you know, when I started as a as a consumer um, as an investigator, um what really impacted me was uh unlicensed contractors targeting uh vulnerable people, especially seniors. And also what was heartbreaking was to sometimes see families who were already struggling financially, and they would invest all their money into their homes and um just to wind up scammed, and then they would have to wait for the the complaint uh process to play out, right? Have to go to court. So these are things that that drive me. Um, but how did you get started in consumer protection and what drives you? How long do we have?

SPEAKER_01:

You said this is like a 40-minute podcast. I will I will do this as briefly. I I used to have like a great elevator pitch, but I've been in this industry for almost 35, even 36 years. So my elevator speech has gone really long. Um, but I went to Syracuse University. I majored in consumer studies. I literally had no idea what my major was going to be. I literally picked that one and was like, it sounds like good. I mean, we're all consumers, I'll do that. Well, it ended up being the best decision of my life because my faculty advisor at Syracuse happened to have been very good friends with the consumer reporter in Boston for the ABC affiliate. And so she said, Would you ever want to do a summer internship with her? And I'm thinking, oh my gosh, that sounds like fun. Well, literally, the the day I walked into this TV station in Boston, I was like, this is my vibe. This is what I want. And I've just learned from there. I self-taught myself how to become a consumer reporter. I never went into broadcasting. I didn't study communications, I studied consumer studies.

SPEAKER_02:

Well, it's your passion.

SPEAKER_01:

Right. I can see the passion, even when you talk about it. Exactly. And I just loved it. And so over my 30 plus years, um, that's all I've been doing is working with our viewers slash consumers and helping them get out of debt, helping them get out of situations like you talked about with contractors. And it's been just something that I've I've loved and thankfully found TV stations that really enjoy it too.

SPEAKER_02:

And you know, um, for me, I work within the system. So when I get a complaint, I use laws and regulations to resolve a complaint, but you get to expose and unmask the scammer right in the public side. It's so fun to do. Yes. So tell me about that. And how does it, how does it impact the community?

SPEAKER_01:

Yeah, you know, so over the years, I've always would say it's when I would do interviews with folks that it's really sad that I have to exist, right? That they on their own can't solve issues because there's just not a lot of resources. There are resources out there, but they're not helpful and they can't solve their problems. And unfortunately, it does take a TV station, a, you know, a story to solve an issue. So that's why people are coming to us to say, listen, I've done this, I've gone to the AG, I filed my complaints, but I'm still not able to get my money back. And when we, you know, call a bad contractor or a bad business or a dealership or whatever it may be, and we say, you know, this is Susan Hogan calling from NBC4, you know, we got a complaint about you. Well, no one wants the bad publicity. And so suddenly doors open, suddenly money returns, suddenly, you know, the house gets fixed or whatever it may be gets done.

SPEAKER_02:

Yeah.

SPEAKER_01:

And, you know, but again, it's a shame that it takes us to have to be that driving force to get them to do the right thing.

SPEAKER_02:

You know, um, identity theft used to be like, I feel like I would hear about it all the time. Yeah. And now I don't, it's evolved so much, I don't hear it as much. It used to be don't share your social security, um, uh, social security number, uh, shred your mail, um, monitor your credit. So while I was preparing for this episode, I heard of synthetic identity theft, where scammers are taking um uh fake information and real information and creating new identities. So, in your experience, um, you do all these stories, but you also you uh uh interview experts and just you know uh speak to so many victims. Did you ever think from the time that you started that we would be here now where they're this advancing so much?

SPEAKER_01:

Such a great question. And I'm asked this a lot. And I've and how I answer this is uh is the following. The scam itself has not changed. The the scammers outcome, what what they want hasn't changed, right? But how how they get there has completely evolved over the years. Yeah. And being in this industry for 30 plus years, it used to be, you know, through paper, through your mail, through like, you know, the old-fashioned way, right? Yeah. But as things have evolved and technology has played a huge role in that, they've just taken these scams that have been around for uh years and years and years and have really just refined them and make them better. And with AI, we're really screwed. I mean, honestly, yeah. This has really abled them to perfect their craft, synthetic ID theft, different ways that they're doing something that have has really been around for years.

SPEAKER_02:

Yeah. You know, when um I was my last episode, I was talking about how unlicensed contractors would come and just knock on the door. Yeah. And people, they'd be face to face with people, but now they're on the other side of marketplace and they don't even have to show their face. So that's that's incredible. Um, so as you are seeing these um uh uh scams evolve and and these different trends and the different ways that scammers are are are performing their their scams, their art of scams. Exactly. Um what what is it that you're seeing that's emerging, maybe that we have to watch out for in the in 2026?

SPEAKER_01:

I think obviously with the with AI here, you know, you can either like it or hate it or be somewhere in between. I'm kind of in between, right? But when it comes to scams and AI, voice cloning scams, they're just getting better and better. So I did a social media post um and oh gosh, maybe three months ago, and where I had my daughter call me. I had her do a little recording, right? Um, because we know it takes three seconds for a voice for a scammer to get our voice. So I had her call and, you know, say, hey, mom, I'm stuck on the side of the road. Um, some guy is here, he pulled over. I need to give him a credit card information. I don't have my credit card. What should I do? And I'm like, before I give you my credit card information, what's our family code word? And so I had her go click, like we you know, made her hang up, right? So, but it was proving the point that all it takes is for these scammers to get three seconds of your voice from whether it's your social media or your voicemail, whatever it may be, and craft it in the way. But if we don't protect ourselves from them, so having things like a family code word to ask these scammers when they do call you, you know, it's when you're in that immediate moment, right? You get a phone call from someone and it's like, oh, you know, it's me, it's I'm I'm like, you know, if they're traveling or you know, the grandparents' scam. The grandparents' scam has evolved to something really bad now, where it can be a grandparent or it could be your kid, and it sounds just like them. And when you you're thinking, is this a scam? Is this a scam? But because you're caught up in that moment as a parent, you're gonna want to help them. So by protecting ourselves with things like family code words, you know, what if that could have switched over? If Katie, what is your code, what's our family code word? She could have said water bottle, which is our code word, maybe, and then boom, okay, now I'm gonna give you my credit card information. So I'm noticing that things like that are trending, that as long as, but we have to be you know on the offense, right? And not always like fighting our way through there. So I think as we get into, you know, more deeper into 2026, we're going to start really have, we're gonna start seeing more of this stuff infiltrating our social media accounts, our text messages, our phone calls as well.

SPEAKER_02:

Yeah. Tell me a little bit more about the three taking three seconds to get our voices.

SPEAKER_01:

Yeah. That's insane. So it and when we spoke to identity theft experts, the there's technology out there where they can actually just take a quick recording of your voice. Remember a couple of years ago, people would say, don't say anything if a scammer calls you. They want you to just say something.

SPEAKER_02:

That's what you're reminding me of.

SPEAKER_01:

Yeah, or you've got the wrong number, or I'm not interested. It's things like that. But now they don't even need you on the phone. And so with this technology that's out there on the dark web, they can just grab it and use it against you.

SPEAKER_02:

Wow. And that's the thing with um with the digital, digital age now, where it's just we really the protections, it's it's scary. It's it's it's a little scary because you're always on, you gotta be on the defense. Um these scammers are using um, even like influencing people with their ads. It looks legitimate. It looks like right now, I where I think even tech savvy tech people can even fall for it where they these things look legitimate. There's ads, there's they're using algorithms. Um, so it looks clean. Is there is there anything that um that you could um help us with giving us advice on the digital age right now? Okay, yes.

SPEAKER_01:

So my mom, who's 89, tells me every day that uh Mark Cuban or Tucker Carlson or Taylor Swift wants to have found a cure for her neuropathy. I'm like, mom, and she's on Facebook and she's on Instagram. I first of all, no, they they they're not finding a cure for you or they're not selling you this particular product. And so, and and when I we were able to download an app for a story, and we wanted to see how quickly I could make an AI clone of myself, and it took 15 seconds. Now, I watched it back, we did a little, a little ditty on it on my social media, and I'm like, oh my God, I mean, it looks like me, it sounds like me, and we had my clone or my AI fake me do a little brief newscast. And, you know, I knew it was fake. But to anyone else, if if you were to watch this on social media without me telling you what you're watching, you're gonna be like, what the heck is she trying to sell me? Yeah, or tell us. And so, but there's a few things, it's not perfect right now. It really isn't perfect. And for anyone who's watching, anything that's, you know, if they see there's a Taylor Swift um video going on, going around social media right now, where she's talking about free concert tickets. Well, first of all, she's not even doing concerts. Problem number one, number two, but if you if you're not knowing that and you're thinking you're watching Taylor Swift, there's a link. And then you want to that people are clicking on that link and buying concert tickets from her. Well, it's not, it's a scam. So, you know, it's one of those things. Would Taylor Swift, would Mark Cuban, would any of these celebrities really be on social media trying to sell you a product, a drug, or a whatever it may be? And the answer is absolutely no. Yeah. And if you think about it, go and Google that Taylor Swift, free concert concert tickets, Instagram, and it's going to come up fake. So you've got to always double check and triple check and be smart about it. And when you're watching these videos too, on the AI generated videos, and there are a lot right now. Yeah, there are some that are funny. That, you know, there was one about a little dancing parrot, and it caught me off guard, and I'm watching it, and I was about to share it to my kids saying, Oh my God, this is so cute. And I'm like, wait a second. No. And then as you watch it, you can hear the audio. There's like this little rippling. Yeah. The video has a little bit of a ripple in it. So you just gotta stop before you think, you know, before you believe it.

SPEAKER_02:

Absolutely. Um, I remember that I would show my son videos and he'll say, Mom, it's AI. Like, oh gosh. And I've really had to catch on to these things. I saw one this morning where it was like a little chicken in the in the living room, a balloon popped, and all these dogs just started making a mess, and the and the mom, the dog mom is like, you know, freaking out. And and I'm like, oh, this is so funny. And the same thing happened. I'm like, oh, it's AI. It's AI.

SPEAKER_01:

And it just looks so real. It does. And it's really sad because, you know, I mean, if it's if it's making you and me who live and we this is all we do for our living, go, oh my God, that was funny. Or what? Imagine though, if you are more vulnerable, um, if you really are in need of whatever they're pitching.

SPEAKER_02:

Absolutely.

SPEAKER_01:

You know, it's going to make you think, but but you know, that's why we do these podcasts. This is why we do what we do is to whomever is listening, is to just take a beat.

SPEAKER_02:

Yes.

SPEAKER_01:

You know, and really think to yourself, is this, is this really, could this really be true? And look at the URLs. Look at never click on any link that comes through social media ever. Right. Period. Go to the main page. That's your best way to do it.

SPEAKER_02:

Exactly. And especially in these times where people are um going through hard times. Right. And they're, you know, you've got the fake uh job advertisements, you've got these fake opportunities. And you they they the scammers know what they're doing in the sense where they'll give you a little bit of like, okay, this is, you know, I we came across a complaint where um they had a job. The the consumer had a job or the the job seeker had this job where she was, and it was with um crypto. And she kept putting money in, and then she get a little bit back, but then she kept putting money in. And even reading through the complaint, I had no idea what this job really entails. And I don't think she did either, because even the way when when we would question her, would the the way she wrote out her complaint, folks don't even know really what they're getting into. They just see that, okay, I'm getting a little bit of money here, but then they have to reinvest it. And then next thing you know, it's gone.

SPEAKER_01:

I'm so glad you brought that up. So we did a about a year or so ago, we did a story. It was a um pig butchering scam, which really it's kind of an odd way of basic, it's a scam. It's like a a romance scam, basically, where the scammers fatten you up, you know, and with love and romance or or trust. Yeah. And then bam, they, yeah, once they get you fattened up with all of that trust, they're gonna go and and then scam you. Yeah. So we interviewed a gentleman who, um Department of Labor employee, master's degree in business, smart man, okay, was on Facebook, got a Facebook request from someone he didn't know. However, he had a mutual friend. So he accepted the request and they started chatting. And this guy for months, Michelle, like just about life.

SPEAKER_02:

They're very patient.

SPEAKER_01:

Really patient. And and he was, you know, it was just very benign conversation. And then, you know, so what do you do for a living? Well, you know, I do this, but I, you know, I dabble in crypto on the side. And our guy was like, Well, you know, how how's that going? And he's like, you know, it's good. You know, I I'll I'll show you my screen. And he shared with him a screen that looked like it was a real crypto website, yeah, showed how much he's making. He's like, and he didn't even push our guy to say, Hey, do you want to? It was not even that. Our made our guy go, Well, maybe I'm interested. Yeah, right. He was so smart about this, the scammer. Yeah. And he's like, sure, if you want to, but start small. And so our guy's like, or like, like, what's small? Like a thousand bucks. Okay. And then he shared a screen and showed him how much his money or the crypto was growing in his account. And he was sharing, I mean, everything looked amazing and looked legit. And he's watching his money grow. Well, now that you've made more you've done this, you should probably do more. Well, you should do more. But because he's, you know, believes this guy and they've had this nice relationship, he's seeing, excuse me, he's seeing the returns on because he's seeing these websites that are screenshots that are being shared with him. He ended up doing that, but ended up, long story short, losing$250,000.

SPEAKER_02:

Oh, wow.

SPEAKER_01:

And it wasn't until he got a knock on the door from the Fairfax County Adult Protective Services who was alerted by their bank. His bank alerted them and knocked on the door. And he's like, What are you talking about? And so it was just really insane how quickly that relationship turned, but they're smart and they're so patient.

SPEAKER_02:

They are. And you know, I usually say high pressure. Yes. Like stay away from the high pressure, but there's no high pressure here. None.

SPEAKER_01:

None. And I think, you know, that's the other thing too, is we, if you think about it, human nature. We want love, we want to make money, and we want to be healthy. Yeah. If there's anything that's going to help us do that, yeah, it's going to be hard to not believe that we can.

SPEAKER_02:

And we're looking for it quickly. The psychological manipulation that that is involved, I mean, they there's definitely some something, someone is training. them in a sense that that they're just they're they're experts now at just picking that one soft spot that someone has and saying, okay, this is where I got them.

SPEAKER_01:

Yeah. And and they are. These aren't, you know, it's not some dude in, you know, a basement of his apartment. I mean, some cases probably. Yeah. But these are massive operations, mostly overseas. A lot are people who've been trafficked themselves and are victims themselves who are part of this and who have to do this for survival. We learned that from when we were doing the pig butchering scam with our FBI agent who was telling us about this. Yeah. So you have that double kind of like whammy, but at the end of the day, they're still part of it. Yeah. But they're trained and it's it's a manipulation and they're good at what they do. And, you know, they they know how to do it. And especially we overshare so much. And if you, you know, all it takes is one little glance at my social media and you can know exactly a lot about me. Exactly. I bet I can know a lot about you and everyone in this room too. It's really quick. Not only that, the other thing is what's out there available on for public viewing, right? There's so many of these like Spockio white pages. You can go onto any of these data brokers. Yeah. And for free, you can type in your name, find out where you live some of your relatives for 95 cents, you could get a little bit more information. You can get my background information. It's insane. Yeah. And for scammers, it's easy peasy. Easy. Yeah. Easy. So what do we do? We have to be smart. We have to protect ourselves. And I have always said, and I'm sure you've said this too everyone who asks me, you know, what should I do? I'm like, did you freeze your credit reports? Oh, uh no. I'm like if you have not, for anyone watching this, I implore you, please, if you do one thing today, freeze all three of your credit reports Experian, TransUn, and Equifax. It's free. It will take a few minutes to do. But here a couple of things. When you freeze your credit reports, what you're doing is you're preventing anyone, a scammer, from opening up an account in your name. So say that they were able to get your information and they go to apply for a loan, a credit card, whatever it may be, and they go, they have, you know, they put in your information, it's going to be blocked. All three of those credit bureaus have it frozen. There's a lot of ways that you have to now jump through hoops to unfright, to unfreeze it. If it's a scammer, they're not going to be able to do it. So you will not have an account opened up in your name. So you're not going to have to then go back and try to figure it out. If they're frozen, they're frozen. If you need to apply for a loan or a credit card, you literally go back on your app and you can thaw it or unfreeze it, however they, whatever terminology they use. And I've done this within like two minutes it's taken me when I had to do something with my son the other day for a car loan. And so I'm like I'm like what? And and here's the thing too say that you're at a car dealership and you're buying a car and you need to unfreeze. You ask the the whomever you're talking to, what um credit union, credit bureau do you use for for checks? And then usually they'll say, they'll tell you and then unfreeze it on that one only. You can unfreeze it for 24 hours. You can unfreeze it for three days a week and then you can set a little, you know, I'm going to unfreeze it today and freeze it in four days. And then it's set it and forget it and you're done.

SPEAKER_02:

Susan that is advice that we haven't had on the show and that's excellent advice.

SPEAKER_01:

Oh it's so important. Yeah. Yeah. I mean I think it's start there and then it's it's it's doing what we're doing here too. It's talking to your relatives, talking to your friends. And you know, with those text message things that you and I both have gotten, we've all received the the toll scams, the you've got a new job. Like I just I get one constantly and they're hilarious. I did a post on how like I'm like, I'm sorry but I'm going to I have some bittersweet news. I'm leaving TV and I'm going to now work for Karen who just offered me a job for$800 a day doing you know market research, which was obviously fake and it was a funny thing that I did. Yeah. Because it's so it's like when you look at it at face value, you're thinking, okay, am I really going to make$800 a day for working five minutes a day? No, of course not. But again, if you are desperate, you need your money and you think well maybe I'll just give it a shot. Maybe it's real. It's not. Don't ever click on those links. It'll take you to a scam website. I've done it. I've shown it what happens and it does not work. Period.

SPEAKER_02:

So when when let's say someone does click what besides OCP we have OCP we have Susan Hogan. What are other resources that you know people can think of if they think they've been scammed or if they have been scammed what what can they do?

SPEAKER_01:

So good question. So I've I've clicked on the links because that's what I do. I want to see what happens right so I got a text message from Amazon saying that there's an issue with my account and that I need to click on this link to fix it. Well I clicked on the link it takes me to what looks like my Amazon login page but it's not right obviously I know it's not but it would have gotten me to if I wasn't smart and didn't know what to do I would have put in my name put in my email and put in my password and then you press enter the scammer has just got your name your email and your password thanks so much. We're moving on and then you're going to go it's going to go nowhere right so the the best if if you are scammed, I mean the problem is unfortunately there's not a lot I mean your money is gone to these scammers. You know, you can report it you can contact your bank you can put on a fraud alert but this is something else that my producer and I have learned to over the years is that banks themselves, so say that you're a victim of you got a a Zelle payment, right? From someone that you do not know. Okay. And you suddenly get a little ding and you're like Michelle just sent me$427 and then all of a sudden I get a text from Michelle and it says oh my gosh I'm so sorry. I sent it to the wrong person. Can you send me that$427 back? Well we're good natured people right yeah you're going to send it back. Sure. Well Michelle was scamming me. Michelle got my information she it was stolen from the dark web somewhere and when I send back that$427 and in two days when my bank realizes that was fraudulent guess who's on the hook for that money? Me. And the banks are like listen we can't if we refunded every single person who falls for a scam, we'd be out of business. So that's why you've got to stop and think. Yeah. So guess what you do with that$427? You keep it. That's what you have to do. You keep it and alert the payment app and say listen I I Michelle's telling me that she sent me this. I don't know who she is just alerting you. They're going to say thanks so much. Just leave it there. But honestly never send it back. People are trying to get you in any way and and I think people think that they're going to get their money back. That's why they call us all the time. That's why they call you.

SPEAKER_02:

Yeah.

SPEAKER_01:

But we know that's not always the case.

SPEAKER_02:

That's right. That's right. And that's just really unfortunate. I I it reminds me even I it's probably a lower level of that but I've gotten texts in where they say hey how you do we're still off for lunch today. I feel they just want to hook you with something. Yeah oh no I sometimes I should do what you do and and and respond and be like hey um you got the wrong person and see what happens. I don't know. But um they're just they're so smart um and and and they do know that someone is good natured and they're going to send that money back. And that's a way to get your trust oh I'm sorry I I just texted I've just selled you the wrong amount or to the wrong account sneaky sneaky any um you've given us so much that it's just great advice anything else that you think that we need to know like that, freezing your credit that's excellent. Yeah.

SPEAKER_01:

Anything else that you know I think it's just locking down your sensibilities locking down you know looking at what you share on social media never your home address when you're taking selfies when you're taking pictures of your kids on the first day of school and they're holding up the little sign with their names, their teachers' names, their school and what grade they are in. Yeah. Do not do that. It's it's cute, but it's giving scammers so much information about that child and about where you live. Absolutely I'm not saying that it's our fault but we do give scammers the you know so much to work with. Yeah. So I think if we just need we just need to be smarter we need to take a beat in 2026 let this be the time that we fight back against these scammers. Don't let them win. And the only way to do that is if we tighten up ourselves and our information.

SPEAKER_02:

So what do we do for 2026 with these with these with these new scams that are emerging we are to tighten up our social media a little bit like pull back um and then we've got these what what are the scams that that you think that we just to finalize everything that we need to really watch out for.

SPEAKER_01:

I think honestly the scams are what we've been seeing. They're just going to get better and they're going to get smarter and they're going to get savvier and it's going to really be hard for us to differentiate between is this real or is this fake. AI is going to play a major role it already is it's just going to be playing a bigger role in this and it's going to get more refined and the skimmers are going to figure this out. And so that's because of that our only way to win is to be smarter is to share this type of information. What we're talking about today Michelle is if whoever is listening to this and watching this is to share this episode, to share this with their loved ones, to talk about this, to come up with a family code word. Yes. Right? It's there, the scams are going to be there. They're going to get better but we need to get better too.

SPEAKER_02:

That's right. Thank you so much. One more very important question. Okay. Do you have a New Year's resolution?

SPEAKER_01:

Oh my goodness. Well I my resolution is to continue to doing things like this, right? My social media is where I know where a lot of people are. My reach has is great and it's growing. Yes. So my my goal is to when you think of who is the a consumer reporter in this country to watch and to to follow it's me is to make sure that I become that go-to person because there's a lot of misinformation out there on social media. People who are claiming to be smart and and giving information and whether it's consumer financial what have you so my goal is to make sure that you know I give the information that is clear, that is smart and that helps people and just continue doing what I'm doing but at a harder time harder reach.

SPEAKER_02:

That's right. And where can we find you Susan?

SPEAKER_01:

You can find me everywhere which is so TikTok, Instagram, Facebook at SusanHogan TV.

SPEAKER_02:

Thank you so much for your story, your dedication everything that you do we really appreciate you. Thanks Michelle. As scams evolve in 2026 staying informed is your best defense. Look out for one another. Share this episode with your friends, your family, your coworkers because just one conversation can help someone avoid becoming a victim. Until next time oh and by the way don't forget to subscribe on your favorite podcast platform and keep an eye out for upcoming episodes where we'll continue to bring you important updates and insights on consumer protection. Have a topic in mind for a future episode or a question for our team? Drop us an email at consumerconnection at MontgomeryCountymd.gov. If you enjoyed this episode please share it with your friends and family and stay in the loop with OCP by searching the hashtag MCGOCP on social media. Remember, knowledge is key for safeguarding your consumer rights. Stay informed, stay protected and stay connected until next time.

SPEAKER_00:

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